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HDFC Regalia Gold Credit Card

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cat name Shopping
cat name Reward Points
4.0/5.0

Travel4.0/5

Rewards4.0/5

Lifestyle Benefits3.5/5

Milestone Benefits3.5/5

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1st Year Fee: ₹2,500* Plus Applicable Taxes

Rewards Program

Rewards Program

5X rewards on Nykaa, Myntra & more

Milestone Benefit

Milestone Benefit

Vouchers up to Rs. 16,000 every year

Lounge Access

Lounge Access

12 domestic & 6 int. visits per year

Updated on December 20, 2024 4:25 pm

Author: Rupanshi Thapa

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About The CardRewards ProgramOther Features & BenefitsSavings CalculatorFees & ChargesThings to KnowCard ReviewFAQs

About HDFC Regalia Gold Credit Card

Regalia Gold is the latest addition to the popular HDFC Regalia Credit card family, and a welcome one. Both HDFC Regalia and Regalia First were once one of the most popular and widely used all-rounder cards, but devaluation of features and rewards over the years had taken the sheen off the Regalia cards. But HDFC Regalia Gold may be the game-changer in the sub-5000 annual fee all-round card market.

A good reward rate, complimentary memberships on activation, international and domestic airport lounge access along with flight vouchers as milestone benefit are some of the strong features of the card. While the reward rate on Regalia Gold is the same as Regalia, the Gold variant provides an exclusive ‘Gold Catalogue’ that has additional premium brands for reward redemption. Here is a detailed review of HDFC Regalia Credit card.

HDFC Regalia Gold Rewards Program

Cardholders can earn good value-back across all spends, along with accelerated earning on select brands, as shown below:

  • 4 reward points per Rs. 150 spent across all categories including insurance, utilities and education
  • 20 reward points per Rs. 150 spent at Nykaa, Myntra, Marks & Spencer and Reliance Digital

Reward Point Terms and Conditions

Reward Redemption

The rewards points on HDFC Regalia Gold Credit Card can be redeemed against an exclusive Gold Catalogue on select premium brands, products and voucher purchase via SmartBuy.

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Other Features and Benefits

In addition to rewards, HDFC Regalia Gold provides several other benefits to the cardholders:

Welcome Benefit

  • Complimentary Swiggy One Membership1
  • Complimentary MMT Black Elite Membership1
  • Gift voucher worth Rs. 2,500 on payment of joining fee

Lounge Access

  • Complimentary Priority Pass Membership on completing 4 retail transaction on the card
  • Avail up to 6 complimentary lounge visits per calendar year (primary + add-on member)
  • 12 complimentary domestic lounge visits in a year
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Savings Calculator

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₹2,500 Plus Applicable Taxes

NA

₹2,500 Plus Applicable Taxes

Waived off on spending Rs. 4 lakh in a year

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Fees and Charges

Particulars Amount
Joining Fee Rs. 2,500 + Taxes
Annual Fee Rs. 2,500 + Taxes
Finance Charges 3.75% p.m. (45% p.a.)
Cash Withdrawal Fee 2.5% of amount withdrawn or Rs. 500 whichever is higher
Rewards Redemption Fee Nil
Late Payment Charges
For Statement Balance:
Up to Rs. 100: Nil
Rs. 101 to Rs. 500: Rs. 100
Rs. 501 to Rs. 1,000: Rs. 500
Rs. 1,001 to Rs. 5,000: Rs. 600
Rs. 5,001 to Rs. 10,000: Rs. 750
Rs. 10,001 to Rs. 25,000: Rs. 900
Rs. 25,001 to Rs. 50,000: Rs. 1,100
More than Rs. 50,000: Rs. 1,300

HDFC Regalia vs. HDFC Regalia Gold

HDFC Regalia Gold is an upgraded version of HDFC Regalia Credit Card. While the annual fee is the same for both cards, the Gold Variant has a more extensive set of features. A few years ago, Regalia had similar features but was eventually down-valued.

Here is a comparison between the two cards:

HDFC Regalia HDFC Regalia Gold
Annual Fee Rs. 2,500 Rs. 2,500
Reward Rate 4 reward points per Rs. 150 spent across all categories 4 reward points per Rs. 150 spent across all categories
5X reward points on Myntra, Marks and Spencer, Nykaa and Reliance Digital
Redemption Options Redeem on SmartBuy for Flights and Hotel Booking, Airmiles, Products and vouchers and Cashback In addition to SmartBuy redemption options like Regalia, an Exclusive Gold Catalogue is available for redemption against premium brands
Lounge Access Up to 8 complimentary domestic and 6 complimentary international lounge visits in a year 12 complimentary domestic and 6 complimentary international airport lounge visits for primary and add-on cardholder
Milestone Benefits 10,000 bonus reward points on spending Rs. 5 Lakh & 5,000 additional bonus rewards on spending Rs. 8 Lakh Quarterly Milestone:

Spend Rs. 1.5 Lakh and get Rs. 1,500 voucher from Myntra, Marriott, M&S or Reliance Digital

Annual Milestone:

Rs. 5,000 flight voucher on spending Rs. 5 Lakh in a year &  additional Rs. 5,000 flight voucher on spending Rs. 7.5 Lakh in a year
Renewal Fee Waiver On spending Rs. 3 Lakh in the preceding year On spending Rs. 4 Lakh in the preceding year

Which is better?

If you have a Regalia or Regalia First variant, we would suggest you to move to Gold because:

  1. Though the base reward rate is same, HDFC Regalia Gold offers accelerated earnings on certain brands along with the option to redeem the accumulated rewards against Exclusive Gold Catalogue, which has some good premium brands. Lounge access benefits are also better on Gold.
  2. While HDFC Regalia offers bonus reward points on reaching spending milestones, cardholders can avail flight vouchers up to Rs. 10,000 (by spending Rs 50,000 less) with the Regalia Gold Credit Card, that should be more beneficial

However, if you rarely travel and prefer RPs as milestone benefits, you may stick to the Regalia card.

Also Check: Lifetime Free Credit Cards

Things to Know Before you apply

Get this card if:

You are looking for a card that offers good value-back on both online and offline spends

You are a high-spender and can make the most of rewards as well as milestone benefits

You frequently shop at Nykaa, Myntra, Marks & Spencer and Reliance Digital

You want versatile reward redemption options like air miles, products, vouchers, etc.

You value travel perks like lounge access, flight vouchers, MMT membership, etc.

Eligibility Criteria

Occupation: Salaried or Self-employed

Age: 21 to 60 years (65 years for self-employed)

Minimum Income for Salaried Non-Govt. Employees: Rs. 1.5 Lakh per month

Minimum Income for Salaried Govt. Employees: Rs. 1 Lakh per month

Minimum Income for Self-employed Applicants: Rs. 18 Lakh per annum

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Overall Rating

4.0/5

Travel4.0/5

Rewards4.0/5

Lifestyle Benefits3.5/5

Milestone Benefits3.5/5

What do we like about this card?

There are several reasons to love HDFC Regalia Gold. First, at Rs. 2500 price point, few cards would be able to match up to the all-round benefits across travel and lifestyle that Gold offers. HDFC’s The reward rate for Regalia Gold is the same as Regalia of 4 RPs per Rs 150 spent, which is good, plus users get 5X reward points on platforms like Myntra, Marks and Spencer, Nykaa and Reliance Digital. Smartbuy platform has always been impressive, with several brands like Amazon, Myntra etc. present on it, and now with the Gold Catalogue that comes with the Regalia Gold card, users can redeem reward points against premium brands like Apple, Fitbit and Bose. Moreover, HDFC has also upgraded the milestone benefit for Regalia Gold card as users now get free flight vouchers worth Rs 5000 each on reaching Rs 5 lakh and Rs 7.5 lakh annual spends respectively. There is an additional quarterly milestone benefit as well – a Rs 1500 gift voucher.

Pros

  • 5X rewards on Nykaa, Myntra, Marks & Spencer, and Reliance Digital
  • Rewards on generally-excluded categories like insurance, utilities and education
  • Multiple redemption options with good redemption value
  • Travel benefits like Priority Pass Membership, complimentary lounge access, flight vouchers, etc.
  • Vouchers worth Rs. 16,000 in a year as milestone benefits
  • Low foreign exchange mark-up fee of 2%

Cons

  • Accelerated earning is limited to select brands only
  • Low redemption value on product/voucher purchase and cash conversion
  • High spending threshold to make the most of milestone benefits=

Frequently Asked Questions

Everything you need to know about this credit card

HDFC Regalia Gold reward points are valid for 2 years from the date of accrual.

Once you pay the joining fee and meet other eligibility requirements, you can claim the complimentary memberships through SmartBuy (for Regalia Gold).

Points can be redeemed for flights and hotel bookings through SmartBuy, but they must be redeemed for bookings within India and with participating airlines and hotel chains. HDFC Bank regularly updates the list of partner airlines and hotels, hence consumers must check beforehand.

Yes. HDFC Regalia Gold Credit Card allows cardholders to get add-on cards. Moreover, you can get Priority Pass membership for add-on cardholders as well, once you complete minimum 4 transactions on your credit card.

If you do not meet the spend requirements for milestone benefits (like vouchers or fee waiver), you will not be eligible for those specific benefits, but you will still earn reward points on regular spending.

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Footnotes

  1. Applicable on spending Rs. 1 Lakh within 90 days of card issuance

Click here to know More Terms and Conditions

Rupanshi Thapa linkedIn icon

Content Writer

Rupanshi a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidence– whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.

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